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Well And Septic Inspections Are They Required For A Mortgage?
Lately I have been getting a number of questions about septic guidelines, and whether septic inspections are automatically required to qualify for a mortgage.  Given the number of questions that I have received, I have decide to cover this issue along with another that is very closely related, are Well inspections automatically required to qualify for a mortgage.  So Well And Septic Inspections Are They Required For A Mortgage?  The quick and short answer is NO, but that does not mean that a Lender will not ask for one.
There are no Mortgage Programs that I am aware of that will automatically require for a Well or Septic Inspection to be done when applying for a mortgage.  However, one maybe requested by a Lender based on the physical observation of an Appraiser at the time the appraisal is done, or based on sever weather conditions at the time of the purchase.
For example, if an Appraiser notes on the appraisal that the ground around a Septic System is unusually wet, that could be a sign of a failing Septic System so the Lender could very well ask for a Septic Inspection to be done.  Like wise if there has been sever ... more

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